Put your money to work

If you start at age 25, for instance, you only have to save $15 a day to reach seven figures by age 67. That's assuming a 6 percent average annual investment return. If your annual return is 8 percent, you only have to set aside $8 a day.

Automate your finances

Once you've committed to investing your money, the easiest way to stick with it over time is to make it automatic — meaning that you have money from your paycheck or checking account automatically sent to your investment accounts every month, before you even see it.

Simply putting your finances on autopilot could free up an extra $700 a month, or $8,400 a year, for the rest of your life.

Sure, negotiation can be a tricky business, but not getting paid what you're worth could mean the difference between an average life and a rich one. After all, as self-made millionaire Grant Sabatier says, "The number one thing that will dictate your future earning potential and get you to $1 million the fastest is how much money you are being paid today."

Hang out with people you admire

The community you immerse yourself in every day matters. So much so that it could affect your net worth, says Steve Siebold, self-made millionaire and author of "How Rich People Think": "In most cases, your net worth mirrors the level of your closest friends. … We become like the people we associate with, and that's why winners are attracted to winners."